- Chris (Orlando, FL) received a collection settlement letter, but it's not signed. Is it valid?

- Dave answers Jonny's question from Facebook. Is it wise to use Roth IRA money to pay cash for a home?

- Dave explains why it isn't wise to try to take shortcuts to reach your goals.

#8652: Cody and Jami Paid Off $100K in One Year!: The Dave Ramsey Show is about real life and how it revolves around money. Dave Ramsey teaches you how to manage and budget your money, get out of debt, build wealth, and live in financial peace.